Violation Insurance
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Maine DUI & Violation Insurance: What Happens Next

Maine requires 50/100/25 liability coverage and is an at-fault state.

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Maine at a Glance

50/100/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Required

PIP and Uninsured motorist coverage must be on every policy

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Maine

Most Maine drivers don't realize that a DUI or serious violation triggers a non-renewal notice from their current insurer, not an immediate cancellation—meaning you typically have until your policy term ends to find replacement coverage. The Maine Bureau of Motor Vehicles typically requires drivers with certain violations to file an SR-22 certificate, which proves you carry at least the state minimum liability coverage. Missing this filing or allowing your coverage to lapse during the required period typically results in license suspension and restarts the filing clock.

SR-22 Certificate Filing

SR-22 is not a type of insurance—it is a certificate your insurer files with the state proving you carry the required minimum liability coverage. Not all carriers offer SR-22 filing, so you'll need to shop with insurers that specialize in high-risk drivers.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers—those with DUIs, major violations, lapses, or suspensions on their record.

Liability Insurance

Liability coverage is the foundation of any policy and pays for damage you cause to others. If you have an SR-22 requirement, you must maintain at least these limits continuously.

Comprehensive Coverage

Comprehensive coverage pays for damage to your vehicle from non-collision events like theft, vandalism, or weather. While not required by the state, lenders typically require it if you have a loan or lease, and it protects your investment after a violation when you can least afford out-of-pocket vehicle replacement costs.

Collision Coverage

Collision coverage pays for damage to your vehicle in an accident regardless of fault. If you're financing a vehicle, your lender will typically require this coverage. Even with a violation on your record, dropping collision to save money can backfire if you're in an at-fault accident and owe more than the car is worth.

What Drivers Pay in Maine

$165–$205/mo

Typical monthly rate in Maine, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Violation type: DUI/OUI typically increases rates more than a reckless driving or excessive speeding conviction
  • Prior driving record: a clean history before the violation typically qualifies you for better non-standard rates than multiple prior incidents
  • Time since violation: rates typically begin decreasing after 3 years and approach normal after 5 years if no additional violations occur
  • Carrier availability: Maine has fewer non-standard carriers than neighboring states, which typically limits competition and keeps rates higher
  • Rural vs. urban location: Portland and Bangor typically have more carrier options and slightly lower non-standard rates than rural areas
  • Required filing duration: drivers with 3-year SR-22 requirements typically pay higher premiums than those with 1-year requirements
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Get Back to a Fair Rate After a Violation

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Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUIs, major violations, or suspensions who cannot qualify for standard policies. These carriers specialize in SR-22 filing and state reinstatement requirements.

Non-Standard Auto Insurance

Policies for drivers who don't meet standard underwriting criteria due to violations, lapses, or poor credit. Rates are higher but acceptance criteria are more flexible.

SR-22 Insurance

Not a separate policy—SR-22 is a filing your insurer submits to the state proving you maintain required coverage. The filing typically costs $15–$50 per year on top of your premium.

Liability Insurance

The foundation of any policy, covering damage you cause to others. Maine typically requires 50/100/25 minimum limits, but higher limits protect your assets after a violation when one more incident could mean financial ruin.

Find Your City in Maine

Portland

urban

Lewiston

suburban

Bangor

urban

Auburn

suburban

Augusta

urban